First Time Buyer / Down Payment Assistance Program

First Time Buyer / Down Payment Assistance Program是面向Taunton，Massachusetts购房者的延期第二贷款。 The City of Taunton First Time Buyer / Down Payment Assistance Program, administered by the Office of Economic and Community Development (OECD), provides 0% interest deferred-payment second mortgages to income-qualified first-time buyers purchasing in Taunton. Funded by HUD HOME and CDBG funds passed through the City under its Annual Action Plan, the program assists low-to-moderate-income buyers with down-payment and closing-cost needs for 1-3 unit homes. Buyers must complete CHAPA-approved homebuyer education and meet a 680 minimum FICO requirement. Awards are first-come, first-served as funds are available. Down payment and closing-cost assistance for income-qualified first-time buyers purchasing 1-3 unit homes in Taunton. Provided as a deferred-payment 0% interest second mortgage. Awards typically up to $20,000 (subject to availability). Loan is repaid only at sale, refinance with cash-out, transfer, or loss of owner-occupancy during the affordability period. 资金来自HOME、CDBG、Federal和Local Government。

First Time Buyer / Down Payment Assistance Program为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Due in full at sale, refinance with cash-out, transfer, or loss of owner-occupancy during the affordability period. 该援助以2顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

First Time Buyer / Down Payment Assistance Program面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：First-time buyer required (no ownership in past 3 years). 关于信用，该项目说明：680 minimum FICO per City of Taunton underwriting standards。 须参加购房者教育课程，由Pro-Home, Inc.、NeighborWorks Housing Solutions和other HUD-approved/CHAPA-certified counseling agencies提供。 居住要求：Property must be located in the City of Taunton and used as the borrower's primary residence. 公民身份或移民身份：U.S. citizen or eligible non-citizen per first-mortgage product and HUD HOME rules。 First-time buyer required (no ownership in past 3 years). Property must be located in the City of Taunton and used as principal residence. Buyer must complete CHAPA-approved homebuyer education and obtain pre-approval. Loan is 0% deferred, repayable on sale, refinance, transfer, or loss of owner-occupancy. Awarded first-come, first-served. Funded by HUD HOME and CDBG via the City's Annual Action Plan. Maximum FICO 680.

First Time Buyer / Down Payment Assistance Program将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 Household income at or below 80% HUD AMI for the Providence-Warwick MA-RI HMFA (FY2025): approx. 1-person $66,250 to 8-person $124,900. 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

First Time Buyer / Down Payment Assistance Program将房价上限设为$775,000。 符合条件的房屋类型包括Single-family detached、Condominium和2-3 unit owner-occupied。 新建房屋符合条件。 预制房屋不符合条件。

First Time Buyer / Down Payment Assistance Program服务于在Taunton，Massachusetts购房的购房者。

First Time Buyer / Down Payment Assistance Program的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过First-come, first-served via OECD; rolling intake based on availability of HOME/CDBG funds.预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。